Financial Calculator
Every free financial calculator you need: compare loan payments, plan your mortgage, map out debt payoff, and project savings growth in one place.
Which calculator do I need?
Home & Mortgage
Tools for buying, financing, and refinancing a home.Mortgage Calculator
Use this when you want to estimate your full monthly mortgage payment.
Calculates principal & interest, property taxes, homeowners insurance, and PMI in one number. Shows a complete amortization schedule and a payment breakdown chart.
Home Affordability Calculator
Use this before you start house hunting to set a realistic price range.
Uses your income, monthly debts, and down payment to calculate the maximum home price you can afford under conservative, moderate, and aggressive DTI thresholds. Shows front-end and back-end ratios.
Mortgage Refinance Calculator
Use this when you are considering refinancing your existing mortgage.
Compares your current loan to a new rate and term. Shows monthly savings, the exact break-even point, and total lifetime interest savings. Includes a roll-in-costs option.
Rent vs Buy Calculator
Use this when you are deciding whether to keep renting or buy a home.
Compares the total cost of owning (mortgage, taxes, maintenance, appreciation) against renting while investing your down payment. Shows your exact break-even year and the financial impact of your expected stay length.
Mortgage Recast
Use this after a lump sum to lower your payment without refinancing.
Recalculates your monthly payment over the same remaining term at the same rate after a principal lump sum. Compares recasting against prepaying without a recast and shows the interest trade-off between them.
PMI Removal
Use this to find when you can stop paying private mortgage insurance.
Projects the month you reach 80% LTV to request cancellation and 78% of the original price for automatic removal. Models extra principal payments and home appreciation, and totals the PMI paid before each threshold.
Loans & Amortization
Tools for calculating, comparing, and understanding any loan.Loan Calculator
Use this for any fixed-rate loan: personal, student, home equity, or business.
Calculates your monthly payment using the standard amortization formula. Shows total interest paid and a full year-by-year amortization schedule you can expand month by month.
Amortization Calculator
Use this when you want to see what happens if you pay more than the minimum each month.
Generates a complete amortization schedule with an extra payment column. Shows exactly how many months and how much interest you save by adding $100, $200, or $500 to your regular payment.
Auto Loan Calculator
Use this when buying or financing a vehicle.
Accounts for trade-in value, down payment, and sales tax to calculate the actual loan amount and monthly payment. Useful for comparing dealer financing against bank or credit union offers.
Student Loan Calculator
Use this to estimate monthly payments and total interest on federal or private student loans.
Supports deferment handling, interest capitalization, and income-driven repayment comparison. Shows total interest paid, payoff date, and monthly payment across standard 10-year, extended, and graduated repayment plans.
Debt Payoff
Tools for getting out of debt faster and for less money.Credit Card Payoff Calculator
Use this when you have a single credit card balance and want a payoff plan.
Enter your balance, APR, and monthly payment to see your exact payoff date, total interest cost, and a month-by-month schedule. Shows the dramatic difference between minimum payments and paying more.
Debt Payoff Calculator
Use this when you have multiple debts and want to pay them all off strategically.
Accepts unlimited debts (credit cards, auto loans, student loans, etc.). Compares the avalanche method (highest APR first) against the snowball method (smallest balance first). Shows your debt-free date and payoff order for each debt.
Savings & Investing
Tools for growing money over time.Savings Calculator
Use this to project how much you will save toward a specific goal.
Models an initial deposit plus recurring monthly contributions at a fixed interest rate. Shows year-by-year growth and the split between contributions and interest earned.
Compound Interest Calculator
Use this to see the long-term power of compounding on investments or savings.
Calculates future value with configurable compounding frequency (daily, monthly, quarterly, annually). Shows total contributions vs. total interest earned and a year-by-year growth chart.
Emergency Fund Calculator
Use this to determine and track your savings target for unexpected expenses.
Calculates target as monthly expenses × target months (3, 6, or 12). Shows progress percentage, gap to goal, months to reach target at your contribution rate, and recommended targets across all three coverage levels.
Net Worth Calculator
Use this to track total wealth across assets and liabilities, monthly or quarterly.
Add unlimited asset rows (cash, investments, real estate, vehicles, retirement) and liability rows (mortgage, auto, student, credit card). Shows category breakdown, net worth, and Fidelity age-multiple benchmark comparison.
Investment Calculator
Use this to project stock market returns and plan your withdrawal phase.
Includes S&P 500, NASDAQ 100, and 60/40 portfolio presets. Shows nominal and inflation-adjusted final balance, plus a withdrawal-phase simulator that tests how long your money lasts at a given monthly spend.
Retirement Calculator
Use this to project your nest egg and find how much you need to retire comfortably.
Projects your retirement balance based on current savings, monthly contributions, and expected return. Applies the 4% rule to estimate sustainable monthly income, shows today's-dollar value, and flags any gap against your income target.
401(k) Calculator
Use this to project your employer-sponsored retirement account with match dynamics.
Accepts employee contribution %, employer match profile (50%-up-to-6%, 100%-up-to-3%, etc), salary growth, and return rate. Shows final balance, year-by-year growth, total employer match dollars, and safe 4%-rule monthly income.
Coast FIRE
Use this to find whether your retirement is already funded by compounding alone.
Discounts your full FIRE number back to today at a real return to find the balance needed now. Charts your projected balance against the rising Coast FIRE target and marks the crossover age.
FIRE Number
Use this to find the portfolio that makes work optional.
Applies the 25x rule and any withdrawal rate you choose to your target annual spending. Shows years to financial independence at your current savings rate and compares 3%, 3.5%, 4%, and 5% withdrawal assumptions.
Barista FIRE
Use this when part-time work will cover part of your retirement spending.
Subtracts expected part-time income from spending and sizes the portfolio needed to cover only the gap. Shows how many years of full-time work that saves against a full FIRE target.
Lean FIRE
Use this to build a lean retirement target from an actual budget.
Builds annual spending from six budget lines rather than a round number, then sizes the portfolio. Compares Lean, regular, Chubby, and Fat FIRE side by side and flags when a budget is no longer lean.
Savings Rate
Use this to convert your savings percentage into a finish date.
Calculates the share of take-home pay you keep and the years to financial independence that rate implies. Includes the full savings rate table, which depends on percentage saved rather than income.
Rule of 72
Use this for a fast estimate of doubling time at any return rate.
Divides 72 by the rate for the classic shortcut and shows the exact logarithmic answer alongside it. Includes an accuracy table marking where the approximation drifts, plus a doublings projection in dollars.
Income & Taxes
Tools for understanding what you actually take home.Paycheck Calculator
Use this to estimate your take-home pay from hourly, weekly, bi-weekly, monthly, or annual income.
Applies 2025 federal income tax brackets, Social Security (6.2% up to wage base), Medicare (1.45% plus 0.9% over threshold), state income tax (all 50 states plus DC), and 401(k) pre-tax contributions. Shows per-paycheck and annual breakdowns.
Salary to Hourly Calculator
Use this to convert between salary and hourly rates in either direction.
Bidirectional converter. Enter salary or hourly, adjust hours per week and unpaid time off, see annual, monthly, bi-weekly, weekly, and daily equivalents. Useful when comparing job offers across pay structures.
Real Hourly Wage
Use this to find what a job pays after every cost and unpaid hour it creates.
Subtracts taxes, commuting, work meals, clothing, and work-driven childcare from pay, then divides by all hours the job consumes including commute and decompression. Prices purchases in hours of your life.
Start with the Home Affordability Calculator to find your price range based on your income and debts. Once you have a target price, use the Mortgage Calculator to see your exact monthly payment including taxes and insurance. If you already own a home and are thinking about refinancing, use the Mortgage Refinance Calculator.
The Loan Calculator gives you your monthly payment and a standard amortization schedule, it answers 'what will I pay each month?' The Amortization Calculator adds an extra payment feature, it answers 'what happens if I pay more than the minimum?' If you want to see how extra payments reduce your interest and shorten your loan, use the Amortization Calculator.
If you have one credit card balance you want to pay off, the Credit Card Payoff Calculator is simpler and more focused. If you have two or more debts, cards, auto loans, student loans, use the Debt Payoff Calculator. It handles multiple debts simultaneously and compares the avalanche and snowball strategies side by side.
The Savings Calculator is goal-oriented: you set a target and see how long it takes to get there. The Compound Interest Calculator is projection-oriented: you see how an investment grows over time with configurable compounding frequency. Both model contributions and interest, but from different angles.
Yes, every calculator on this site is free with no limits, sign-ups, or hidden fees. All calculations run in your browser, no financial data is ever sent to a server or stored anywhere outside your device.